Banking, Unbound.
Launch regulated BaaS and neobank experiences that bridge traditional banking with next-generation banking product offerings.
The Future of Banking is Embedded.
Deliver a digital innovation layer for regulated banks today, without core replacement. More Possibilities. Complete Control.
Built Above the Core. Designed for Growth.
Core replacement projects take banks two to five years and tie up capital that could be earning revenue elsewhere. Terafin's approach sits above the existing core, connecting through APIs rather than replacing what already works. Banks keep their licence, their core system, and their customer relationships intact, while adding the product capabilities customers now expect from a digital-first bank.
The result: a market-ready launch measured in months, not years, with the core system untouched and fully in production throughout.
No core replacement. Market-ready in months.
Your licence, balance sheet & brand
- Regulatory licence & compliance history
- Existing core banking infrastructure
- Customer relationships & trust
- Balance sheet & capital position
- Distribution network
The Digital Innovation Layer
- Virtual Accounts & multi-currency wallets
- Virtual Cards & card issuing
- Embedded Finance capabilities
- Multi-Asset Investing infrastructure
- Digital Experience orchestration
Neobank-grade products from a trusted institution
- Instant account opening
- Real-time payments & transfers
- Multi-currency wallets & cards
- Embedded investment products
- A digital-first banking experience
Six capabilities. One platform.
Core Innovation
Bank activates: virtual accounts above legacy core, no statement of work
Customer sees: new products launched without core replacement
02Embedded Finance
Bank activates: API-enabled onboarding, bank-owned ledger for partner brands
Customer sees: banking products inside the apps they already use
03Modern Payments
Bank activates: domestic transfer, cross-border SWIFT, instant payments & stablecoin rails, intelligent routing
Customer sees: instant transfers, always the fastest available rail
04Digital Channels
Bank activates: white-label neobank experience, co-branded per programme
Customer sees: a digital-first bank built for their vertical
05Digital Assets
Bank activates: tokenised deposits & approved stablecoins, PTSR-aligned
Customer sees: fiat and digital assets side by side, one app
06Digital Twin
Bank activates: bank-owned mirror ledger for outsourced programmes
Customer sees: nothing - it's the regulator-ready safeguard behind the scenes
Built for the institutions modernising banking across the region.
Traditional Banks
Traditional banks across the Middle East and Africa modernising above their core.
They add new digital products without the cost, risk, and multi-year timeline a core system replacement would require.
Financial Institutions
Regulated institutions adopting central bank Open Finance and API-based treasury services.
This means connecting to national payment infrastructure and open banking mandates without rebuilding internal systems from scratch.
Fintech & Partner Brands
Fintechs and partner brands distributing bank-enabled products via embedded finance.
They get to market faster by building on regulated infrastructure instead of pursuing their own banking licence.
Enterprise & Corporate
Corporates integrating financial services and treasury management into their own platforms.
This turns financial services from a cost centre into a direct revenue line embedded in the corporate's own customer experience.
Government Entities
Public-sector bodies pursuing digital financial infrastructure across Middle East and Africa.
National initiatives around financial inclusion and digital payments can launch on proven infrastructure rather than infrastructure built from the ground up.